I ask these questions on behalf of myself and others who may be interested in what your experience has to say:

To those of you who have taken the BCL could you describe what the course is like? What are the lecturers like? The atmosphere? What sort of money is required to get through it comfortably? If you had to do it all over again what would you do differently?

Be well and thank you in anticipation of your answers and help.

well ?? does anyone have nothing to say ???

I am sorry but I have a feeling that this question is just too broad.
I haven't done the BCL but heard it is a lot of work but very rewarding. I imagine the Oxford website will have information on what finances you need.
Good luck.